Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
Inter & Co. Inc. Class A Common Shares(INTR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for INTR
09/23/2026: INTR (1-star) is currently NOT-A-BUY. Pass it for now.
Inter & Co. is a prominent Brazilian fintech company operating an integrated 'super-app' that combines digital banking, credit, investment services, and an e-commerce marketplace. The company has a leading position in the digital-native banking space, leveraging a low-cost structure to gain market share from traditional institutions. Its primary growth story revolves around increasing monetization per user by successfully cross-selling services within its ecosystem. Key risks include intense competition from well-funded rivals, heavy sensitivity to the Brazilian macroeconomic environment, and potential for credit quality degradation. The stock may best suit growth-oriented investors who are comfortable with the inherent volatility of emerging market fintechs and monitoring credit and user engagement trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company is in an aggressive scaling phase focused on user base expansion and platform engagement. |
| Momentum investor | Mixed fit | Performance is highly dependent on market sentiment regarding the Brazilian fintech sector and interest rate cycles. |
| Value investor | Weak fit | Valuation is typically driven by future growth potential rather than current cash flow multiples. |
| Dividend investor | Weak fit | The company currently retains earnings to fund its ecosystem growth rather than paying dividends. |
| Low-risk investor | Weak fit | The stock is subject to high volatility due to macroeconomic and regulatory risks in its primary market. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock experiences significant price swings based on Brazilian economic data and sentiment. |
| Valuation risk | Medium / high | Valuations are highly sensitive to growth assumptions and interest rate environments. |
| Competition risk (Digital Banking) | High | The company faces aggressive competition from Nubank and well-funded traditional banking incumbents. |
| Business quality | Medium | The super-app model is effective but requires constant execution to maintain user loyalty. |
| Dividend income | Low / none | Investors should not expect income generation from this equity. |
| Execution risk | Medium | Scaling the business successfully in a complex regulatory environment requires precise management. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -13.87% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.31B USD | Price to earnings Ratio 8.32 | 1Y Target Price 8.57 |
Price to earnings Ratio 8.32 | 1Y Target Price 8.57 | ||
Volume (30-day avg) 4.1M shares | Beta 0.95 | 52 Weeks Range 5.04 - 10.23 | Updated Date 09/23/2026 |
52 Weeks Range 5.04 - 10.23 | Updated Date 09/23/2026 | ||
Dividends yield (FY) 11.25% | Basic EPS (TTM) 0.63 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Financial Services | Interest on credit products, card fees, and financial advisory services. | Most revenue comes from the interest earned on loans and fees generated from card usage. |
| Inter Shop | Affiliate commissions and advertising revenue from the in-app marketplace. | The company earns a cut from retail transactions made by users through its platform. |
| Geography (Brazil) | Primary operations and revenue generation occur within the Brazilian market. | The company's performance is tied directly to the Brazilian economy. |
Valuation
Trailing PE 8.32 | Forward PE 10.79 | Enterprise Value 16.45B | Price to Sales(TTM) 0.35 |
Enterprise Value 16.45B | Price to Sales(TTM) 0.35 | ||
Enterprise Value to Revenue 2.95 | Enterprise Value to EBITDA - | Shares Outstanding 325.79M | Shares Floating 246.21M |
Shares Outstanding 325.79M | Shares Floating 246.21M | ||
Percent Insiders 23.66 | Percent Institutions 41.75 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Inter & Co. Inc. Class A Common Shares
Exchange NASDAQ | Headquarters Belo Horizonte, MG, Brazil | ||
IPO Launch date 2022-06-23 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://inter.co |
Full time employees - | Website https://inter.co | ||
Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collections; foreign exchange and financial services; and global account digital solution. It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets. In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products. Further, it engages in the sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.